“How much do you need to retire on – who knows? Simon does. What an amazing process to go through whereby Simon profiles all of your assets and links them to your future plans to see how your life will pan out. Why leave it to chance when you can plan it? You wouldn't turn up to an airport without planning your holiday so why do most not do it with the rest of their life? I really do recommend that everyone, no matter what their personal circumstances are, should take time to plan their life, and Simon in my view is the right person to help; so calm and collected he helps and guides you through the whole process very professionally.”
“I have found the company to be extremely professional, dependable and approachable. The company has advised me financially in a meaningful and practical way and have carefully analysed my own financial position to give the best possible advice, updated regularly. All staff are very friendly and mindful of my position and needs, responding immediately to any questions I put to them. I have no hesitation in recommending them to any prospective clients.”
“Using the services gave me a real understanding of where I needed to drive my business forward to provide the lifestyle I expect in retirement. Their clear no-nonsense assessment of my needs really focused me on what is important in my future. They have taken the guess work and hard work out of my financial planning.”
“I have genuinely found Simon’s approach to financial planning both ‘enlightening’ and to be based on a very rigorous analytical process which takes as much uncertainty as possible out of the equation. I can honestly say that it is as a direct consequence of having embarked on the ‘enlightened money’ process with Simon that I was able to retire with confidence significantly sooner than I had thought would be possible. Many thanks.”
"I really appreciate you keeping me up to date - THANK YOU! I am absolutely LOVING my freedom - and it is very reassuring that I don’t have to forage on the beach for edible seaweed and limpets unless I WANT to!”
How we work...
First, we'll make YOU the centre of attention! We believe that until we really know about you, we have no right to talk with you about your money.
Using "The Enlightened Money System" we'll guide you through the six steps to help you identify, create and maintain the life you really want...
1 DESIGNING The Life You Want...
Using our bespoke Lifestyle Planning tools to facilitate the discussion, we’ll help you articulate and design the lifestyle you really want. Enabling you to achieve and maintain this lifestyle sits at the heart of all of the work we do with you.
2 UNDERSTANDING Where You Are Now, Spotting Opportunities and Recommending Options...
Understanding where you are now is vitally important, and once you've given us the numbers that relate to your assets, income and expenditure, we’ll meet with you to build your Financial Summary using our sophisticated software. This not only shows you where you are now, but also maps out your financial future to age 100, linking this with your desired lifestyle. At this point, we will sit down with you and discuss opportunities you may not have previously considered and help you avoid risks that you may not have known were there. Following on from the meeting, we will post you a copy of your Financial Summary.
3 PROVIDING Independent Financial Advice
Using steps 1 and 2 as a foundation, we'll carefully research financial products and services appropriate to your circumstances and provide a detailed product-related suitability report, which may include:
4 IMPLEMENTING Your Plan When Investments, Pensions or other Products Are Required
Having agreed your plan with you, should you need any financial products, we'll then take care of all the documentation.
5 MANAGING Your Investments
Depending on your personal circumstances, we’ll work alongside an investment manager who'll be responsible for the day-to-day management of your investments to ensure your money is managed in a way that dovetails with your desired lifestyle and your Lifestyle Financial Plan.
6 MAINTAINING Your Desired Lifestyle
Each year, we’ll invite you to a forward planning meeting to review steps 1 to 5 above and - more importantly - to plan ahead for the next 12 months. We'll take into account any changes in your desired lifestyle, legislation, the economic climate, investment returns, taxation and the assumptions used in your financial planning. We'll update any relevant parts of your Lifestyle Financial Plan during our meeting and send you an updated Financial Summary after the meeting. This will provide you with on-going clarity about maintaining your lifestyle and your finances. And of course, it goes without saying that we're here throughout the year to provide any answers to questions you may have.
Clients frequently tell us that they have more clarity and simplicity about their money than ever before. When they know that their money will not run out, they sleep better, worry less and enjoy their lives more.
You can see who we work with here. Why not take a look at the team at Enlightened Money.